Disclaimer

PLEASE READ THIS INFORMATION CAREFULLY. YOUR USE OF THIS WEBSITE CONSTITUTES YOUR AGREEMENT TO THE FOLLOWING TERMS AND CONDITIONS.

Welcome to this website, which is owned and operated by Stock Blogs (the “Service”). Stock Blogs maintains the Service for to its visitors, subject to the following terms and conditions concerning the use of the Terms of Service (“Terms of Service”). When you use the Service, you accept the Terms of Service. Please read them carefully. If you do not agree to the Terms of Service you may not use the Service. Stock Blogs reserves the right to modify content on the Service and these Terms of Service periodically without prior notice.

Your use of any such product or service offered on the Service is governed by these terms and conditions. Stock Blogs does not warrant that any product descriptions or content contained in this website is accurate, current, reliable, complete, or error-free.

Stock Blogs is neither a registered Investment Adviser nor a Broker/Dealer. Readers are advised that all information in the Service is issued solely for informational purposes and is not to be construed as an offer to sell or the solicitation of an offer to buy, nor is it to be construed as a recommendation to buy, hold or sell (short or otherwise) any security. All opinions, analyses and information included herein are based on sources believed to be reliable and written in good faith, but no representation or warranty of any kind, expressed or implied is made, including but not limited to any representation or warranty concerning accuracy, completeness, correctness, timeliness or appropriateness. In addition, we undertake no obligation to update such opinions, analyses or information or to keep such opinions, analyses or information current. Owners, employees and writers may have long or short positions in the securities that are discussed.

All users of the Service are urged to consult with their own independent financial advisors with respect to any investment. All information contained in this Service should be independently verified.

Use of Content
You understand that some portion of the Service may contain opinions from time to time with regard to any securities mention in other portions of the Service, and that those opinions may be different from those obtained by using another portion of the Service.

You may view, download, and print contents from the Service subject to the following conditions: (a) the content may be used solely for personal use; you may not forward this subscription to others; (b) the content must bear the proper attribution to Stock Blogs; and (c) the content may not be modified or altered in any way. You may not republish, distribute, prepare derivative works, or otherwise use the content other than as explicitly permitted herein.

You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Stock Blogs without the express written consent of Stock Blogs You may not use any meta tags or any other “hidden text” utilizing Stock Blogs’s name without the express written consent of Stock Blogs You may not use any Stock Blogs logo or other proprietary graphic as part of the any link without express written permission.

Copyright Information
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Stock Blogs or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Stock Blogs and protected by U.S. and international copyright laws. All software used on this site is the property of Stock Blogs or its software suppliers and protected by United States and international copyright laws.

Copyright Complaints
Stock Blogs respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact Stock Blogs at editor@stockblogs.com.

You do not acquire any ownership rights to any content in the Service. Any unauthorized use terminates the permission, subscription or license granted by Stock Blogs

Reviews, Comments, Communications, And Other Content
You may submit comments and provide other content so long as the content is not obscene, illegal, threatening, or defamatory and so long as the content does not invade the privacy or infringe the intellectual property of a third party. Further, such content may not contain software viruses, mass mailings, chain letters, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of the information.

By submitting information, you grant Stock Blogs a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use such information, including but not limited to reproducing, using, modifying, publishing, adapting, translating, creating derivative works from, distributing, and displaying such content throughout the world in any media. By submitting information you also represent and warrant that the content is accurate; you own or have permission to use the content that you submit; and your use of the content will not cause injury to any person or entity. Stock Blogs takes no responsibility and assumes no liability for any content posted by you or any third party.

Copyright Information
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Stock Blogs or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Stock Blogs and protected by U.S. and international copyright laws. All software used on this site is the property of Stock Blogs or its software suppliers and protected by United States and international copyright laws.

Copyright Complaints
Stock Blogs respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact Stock Blogs at editor@stockblogs.com.

Third Party Web Sites and Information
The Service may provide hyperlinks to third party websites or access to third party content. Stock Blogs does not control, endorse, or guarantee content found in such sites. All information on such third party websites is believed to be reliable and written in good faith, but no representation or warranty of any kind, expressed or implied, is made, including but not limited to any representation or warranty concerning accuracy, completeness, correctness, timeliness or appropriateness. Without limiting the foregoing, you agree that Stock Blogs is not responsible for any content, associated links, resources, or services associated with a third party site and that Stock Blogs shall not be liable for any loss or damage of any sort associated with your use of third party content. Links and access to these sites are provided for your convenience only.

Disclaimer
Without limiting any other provision of this Agreement, you expressly understand and agree that:
1. Your use of the Service is at your sole risk. The Service is provided on an “as is” basis. Stock Blogs expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

2. Without limiting the foregoing disclaimer, neither Stock Blogsnor its officers, directors, employees, affiliates, suppliers, advertisers, and agents makes any warranty that (i) the Service will meet your requirements; (ii) the Service will be uninterrupted, timely, secure, or error-free; (iii) the results that may be obtained from the use of the service will be accurate, reliable or timely; (iv) the quality of any products, services, information, newsletters or other material purchased or obtained by you through the Service will meet your expectations; and (v) any errors in the web site or the software will be corrected.

3. Any material downloaded or otherwise obtained through the use of the Service is done at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. Stock Blogs does not warrant that this site, its servers, or e-mail sent from Stock Blogs are free of viruses or other harmful components.

Limitation of Liability
You expressly understand and agree that Stock Blogs shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses (even if Stock Blogs has been advised of the possibility of such damages), resulting from (i) the use or inability to use the Service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third part on the service; or (v) any other matter relating to the service. Your sole remedy for dissatisfaction with the service is to stop using it. The sole and exclusive maximum liability to Stock Blogs for any damages, losses, or causes of action, whether contractual or tort, (including without limitation, negligence), or otherwise shall be the total amount paid by you for the Service. Any use by you of the Service is at your own risk.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you may have additional rights.

Indemnity
You agree to defend, indemnify, and hold harmless Stock Blogs, employees, attorneys, and agents against all claims, expenses, liabilities, losses, costs, and damages, including reasonable attorney’s fees made by any third party due to or arising out of content you submit, post, transmit, or made available through the Service, your use of the Service, your connection to the Service, your violation of the Terms of Service or your violation of any rights of another.

Applicable Laws
All matters relating to your access to and use of the Service shall be governed by the law of the state of Delaware without regard to its conflict of law principles. Any legal action or proceeding relating to your access to or use of the Service must be instituted in a state or federal court in the state of California, county of Los Angeles and you expressly consent to the jurisdiction of these California courts.

If there is a determination that any provision of these Terms of Service is invalid or unenforceable, that determination will not affect the rest of the Terms of Service and the Terms of Service shall be deemed amended to the minimum extent necessary to make them valid and enforceable.

Violations
Please report any violations of the Terms of Services to editor@stockblogs.com.

Contact Information
If you have any questions or concerns regarding the Terms of Service, please contact Stock Blogs at editor@stockblogs.com

Privacy Policy

This Privacy Policy applies to this website and all other websites owned, operated, hosted, managed and otherwise affiliated with StockBlogs.com. By visiting this website, and/or submitting any information on any of the forms linked to this Privacy Policy you are accepting the practices described herein.

You must be at least 18 years old to use our Sites. We do not knowingly collect, use or disclose Personal Information about visitors under 18 years of age. If you are the parent or guardian of a minor under 18 years of age and believe that such minor has disclosed Personal Information to us, please contact us at so that we may delete the minor’s information from our database.

Our Site

The Site and process of referring prospects to affiliated product and/or service providers is a free matching service made available by StockBlogs.com Inc and is meant only for informational purposes only. No warranty of any kind or guarantee of performance is offered for any reason. We do not explicitly nor indirectly give any promise of qualification or acceptance of any user submitting their information via our Site by any product and/or service providers affiliated with our site. Every affiliated product or service provided in connection with our Site is independently responsible for their own actions regarding the handling of the User after receiving User information.

User IP Address

Each time a user visits the Site, our web server automatically recognizes the user’s IP address and the Web page from which the User came. The User’s IP address is used to help identify the User and to gather broad demographic information about the User. We also use IP addresses collected to help diagnose problems with our servers, to administer the Sites, and to better serve users in using the services and features of the Sites.

Cookies and Action Tags

The first time a user provides an e-mail address in connection with their activities at a Site, we assign an identification number to that e-mail address and deploy a cookie to the user’s PC. Whenever that user comes back to a Site using the same PC, the cookie allows the Site to identify the user and to recall the user’s e-mail address. If, at any time, a user provides other information in connection with their activities on a Site (such as name, address, birth date, gender, etc.), we may store that information, along with the user’s e-mail address, in our user database. We may use the information stored in our database (i) for the purpose for which the information was originally provided by a user; (ii) to pre-populate information fields in the event a user wishes to sign up for and/or subscribe to services, promotions or offers in the future; (iii) to ensure that a user will not be repeatedly exposed to the same ads, offers and promotions while visiting Sites; and (iv) to, in connection with regular communication with a user, include offers, promotions or advertisements historically, or likely to be, of interest to that user.

Action Tags, Web Beacons and other Data Collection Methods: An action tag or a web-beacon (also known as a clear gif or a pixel tag) is a method used to track responses or actions by visitors who view certain advertisements or other information on a site. Action tags are 1×1 pixel images embedded in a website page that are used to transparently collect information. We may use action tags to count the number of times that visitors click on a particular banner ad or visit the pages of our Sites and to provide information about what products are viewed or purchased.

Personal Information

By registering with, or providing personal information to a Site, as well as providing permission to receive marketing offers, Users allow us, our affiliates, partners and certain approved third parties to make their personally identifiable information available to third parties in accordance with the terms of this privacy policy and the privacy policy of the respective affiliated sites. While on a Site we may collect “Personal Information” from a user. For the purposes of this Privacy Policy, Personal Information shall mean individually identifiable information from or about an individual including, but not limited to: (a) a first and last name; (b) a home or other physical address, including street name and name of city or town; (c) an e-mail address or other online contact information, such as an instant messaging user identifier or a screen name that reveals and individual’s e-mail address; (d) a telephone or mobile phone number; (e) a Social Security number; (f) a persistent identifier, such as a customer number held in a cookie or processor serial number, that is combined with other available data that identifies and individual; (g) age; (h) income level; (i) hobbies, buying patterns or preferences; or (j) any other information from or about an individual that is combined with any of (a) through (j) above, whether given directly by the consumer or deduced logically by accessing other relevant and available public data sources containing other usable information on the same consumer.

How We Use Personal Information

Information collected may be transmitted to our approved advertising and marketing partners, our affiliated companies, or certain other approved third parties interested in providing users with information or services that you may request or for other marketing and promotional purposes. Requested information or information regarding site updates, new products and services, upcoming events and/or status of any requests or orders that users may have made may be provided to users by e-mail, postal mail, telephone SMS text-messaging or by any other means of contact that users may provide. We may also use Personal Information for customer service, to provide information that a user may request, to customize a user’s experience on a Site, and to contact a user when necessary in connection with transactions entered into by that user on a Site. We may also use personal information for internal business purposes, such as analyzing and managing our business. We may also combine the information we have gathered about users with information from other sources. We may use third parties to help us operate our business and the Sites or administer activities on our behalf.

By entering your SSN into the website, users consent to allow us to share their SSN with certain approved outside service providers for evaluation of user’s applications and provision of loan services.

By providing a telephone or mobile phone number, users agree and specifically thereby request that we, our partners, associates and/or certain approved third parties may contact you via such telephone number whether or not such number may be a mobile phone number or included in any State, Federal or other Do Not Call Registry. Users further agree that such contact may be made via short message service (SMS or “text message”) and automated prerecorded message wherever possible.

We and/or our marketing partners and affiliated companies enhance and/or merge Personal Information about users with data collected from other sources to use in direct and/or online marketing.

We reserve the right, in connection with a transfer of any of our assets to any affiliated company, to provide Personal Information and data to the affiliate subject to the terms of this policy. Similarly, we reserve the right, in connection with a sale of any of our assets or businesses to a third party, to sell our database containing Personal Information, or any relevant portion thereof. We may release Personal Information as we determine may be required by law, to enforce any terms of service, or to protect the rights, property or safety of our Sites, its registered users, or others. Please note that our privacy policy does not apply to websites or web pages that link to our Sites.

You may, at any time, notify us that you do not wish to have your Personal Information disclosed to third parties for offers and promotions by sending an e-mail to editor@StockBlogs.com.

How We Use Demographic Information

We use demographic information to tailor Sites to the interests of our users. Demographic information is shared with advertisers so that they can tailor their advertisements to the appropriate audience. Demographic information may also be shared with other third parties.

Other Sites

Other sites accessible through our Sites have their own privacy policies and data collection, use and disclosure practices. Please consult each site’s privacy policy. We are not responsible for the policies or practices of third parties. Please be aware that our Sites may contain links to other sites on the Internet that are owned and operated by third parties. The information practices of those websites linked to our Sites are not covered by this Privacy Policy. These other sites may send their own cookies to users, collect data, or solicit Personal Information. Additionally, other companies that place advertising on our Sites may collect information about you when you view or click on their advertising through the use of cookies. We cannot control this collection of information. You should contact these advertisers directly if you have any questions about their use of the information that they collect.

On behalf of various sponsors, we may provide sponsored links to third-party websites. If you click on a sponsored link or banner ad, a “window” or “frame” containing a third-party’s web site may appear in the foreground with a Site in the background. Unless you are on one of our Sites, any time that you have moved to a window, you should assume that your Personal Information is being collected, used and disclosed in accordance with the windowed site’s privacy policy (if any). If you are unsure as to whose privacy policy applies, please contact us by e-mail at editor@StockBlogs.com.

Our Security Precautions

The Site has security measures in place to protect against the loss, misuse and alteration of the information under our control. We encrypt all of your personal and financial information and use our best efforts to prevent it from being read or intercepted as the information travels over the Internet. While we are committed to protecting your information, we cannot ensure or warrant the security of any information you transmit to us.

Removal of Your Information/Opting Out

At your request, we will remove Personal Information that users have provided to us from our database. Users may make such request by emailing. However, deleting Personal Information or otherwise opting-out of receipt of communications from us or third parties will only change or delete the data in our database for purposes of transacting future business on a Site and for managing future communications from us and third parties. These deletions will not change or delete Personal Information already collected as part of a particular transaction in our database, which may have already been shared with third parties, all as provided above in this Privacy Policy. Users may need to contact third parties who may contact you directly in order to change the preferences for the use of personal information that they may have or use.

We provide users the option to opt-out from receiving information sent via electronic mailings on behalf of third party advertisers. Users may unsubscribe from receiving e-mails at any time by following the instructions contained at the end of every emailing. Unsubscribe requests can only be processed if you have registered with us in the first instance. If you have not registered with us and wish to opt out of receiving e-mails from a particular sender, please consult that sender’s opt out policies or contact that sender directly.

Information sent on behalf of third party advertisers is prepared several days in advance, so users may continue to receive e-mail from us for up to 5 days after following the unsubscribe procedures detailed above. If after that point a user is still receiving email from us, the user should contact us at editor@StockBlogs.com.

Limitation of Damages

IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR USE OF A SITE OR FOR THE UNAUTHORIZED MODIFICATION OF TEXT OR ADVERTISEMENTS PROVIDED BY US TO OUR MARKETING PARTNERS OR THIRD PARTIES.

DISCLAIMER – THE SERVICE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONS EXPLAINED IN SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE OR AS MAY BE PROVIDED IN RESPONSE TO YOUR INQUIRY IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. USER ASSUMES THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY – UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE THE MATERIALS IN THIS SITE OR ANY INFORMATION PROVIDED TO YOU IN RESPONSE TO YOUR INQUIRY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.

Changes to the Privacy Policy

We reserve the right to change the terms of this Privacy Policy. Since any changes will be posted on this page, we encourage you to check this page regularly. Any changes to this policy shall be effective immediately upon posting them here.

Governing Law

The laws of the State of California shall govern all legal statements contain herein. USERS HEREBY EXPRESSLY CONSENT TO EXCLUSIVE JURISDICTION AND VENUE IN THE COURTS LOCATED IN SAN DIEGO, CALIFORNIA FOR ALL MATTERS ARISING IN CONNECTION WITH ANY OF OUR LEGAL STATEMENTS OR ACCESS OR USE OF THE WEB SITE OR SERVICES PROVIDED IN CONNECTION WITH THE WEBSITE.

General Best Practices

Transparency:

We believe that the best way to do business in this day and age is to be transparent. Keeping everything open and visible to all parties involved in the business relationship forces honesty and promotes a healthy environment of accountability. We built our campaign marketplace with this kind of transparency in mind and expect our vendors and advertisers to keep the same attitude.

Compliance:

Marketing compliance according to all applicable federal and state laws is both expected and required. Beyond legalities, however, we also expect our vendors and advertisers to respect the privacy and rights of the consumer. Like our “no rebuttal” policy, we do from time to time implement rules that go above and beyond the basic compliance mandates currently enforced.

Privacy:

Maintaining the privacy rights of the consumer is expected of both vendors who generate initial interest all the way down to the advertiser attempting to make a sale. Handling sensitive personal information must be treated as important as it is to the consumer whose information is being handled. Keeping updated contact information, opt out and do not call lists is also required and must be shared.

Professionalism:

StockBlogs.com Inc is a professional business organization, including the affiliation with vendors and advertisers, and we monitor all parties involved to ensure that all dealings are conducted professionally and business-like. This covers all dealings with consumers and transactions between vendors and advertisers.

Telemarketing:

Vendors and advertisers who telemarket to leads and data are expected and required to follow all state and federal telemarketing laws including, but not limited to, all state and federal Do Not Call rules, the Telemarketing Sales Rule, the Telephone Consumer Protection Act and all other applicable rules and regulations governing the practice of consumer marketing by phone.

Email marketing:

Vendors and advertisers who email market to leads and data are expected and required to follow all state and federal direct email marketing laws including, but not limited to, the CAN SPAM Act of 2003 and amendments from 2008. It is also important to maintain and update opt-out lists for all campaigns and follow up marketing programs.

SMS messaging:

Vendors and advertisers who SMS message as a means of mobile marketing to create opt ins and/or inbound telephone calls are expected and required to follow all state and federal and state laws. This includes, but is not limited to, ensuring proper and conspicuous opt-in action of a consumer’s mobile device and including opt out capabilities on every message. Maintaining a current opt out list is also required.

Other marketing:

From time to time our vendors will use other forms of marketing to generate consumer interest in our advertisers’ products and services. These include TV, radio, direct mail, door-to-door and print media. These forms of advertising and direct marketing also must comply with our privacy and compliance expectations as do all of our other marketing efforts. For more information, please contact us.

Contacting us about privacy questions or concerns

If you have any questions about this Privacy Policy, the practices of a Site, or your dealings with this Site, please email us at editor@StockBlogs.com, or by sending a letter to:

StockBlogs.com
PO Box 9584
San Diego, CA 92169

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